| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $26K | $31K | 1.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 0.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1 BATTERY PARK PLAZA, 6TH FLOOR NEW YORK, NY 10004 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.53% |
| MICHAEL A BOOK3 Filed as: MICHAEL A. BOOK | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | $59K | $78K | 12.08% |
| ROBERT J SEGALL3 Filed as: ROBERT PIMPINELLA AND OTHER AGENTS | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $30K | $9K | $39K | 6.07% |
| GREGORY KARL LARGE3 | 281 TRESSER BOULEVARD, SUITE 1004 STAMFORD, CT 06901 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $19K | $1K | $20K | 3.16% |
| JOHN J MILLER3 Filed as: JOHN J. MILLER | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17K | $573 | $17K | 2.67% |
| MATTHEW SENDACH3 Filed as: MATTHEW DONALDS | 90 PARK AVENUE, 18TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $6K | $7K | 1.08% |
| RICHARD PIERCE VANBENSCHOTEN3 | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 1.05% |
| MATTHEW SENDACH3 | 90 PARK AVENUE, 17TH FLOOR NEW YORK, NY 10016 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 0.87% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,009 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE CO. | 30 | $178K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,009 | $2.0M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,009 | $2.6M |
| Prescription drug | SIERRA HEALTH AND LIFE INSURANCE CO. | 30 | $178K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,009 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,009 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.